On Improvements and Advancements in Christianity

The Celestial Railroad by Nathaniel Hawthorne Not a great while ago, passing through the gate of dreams, I visited that region of the earth in which lies the famous City of Destruction. It interested me much to learn that by the public spirit of some of the inhabitants a railroad has recently been established between this populous and flourishing town and the Celestial City. Having a little time upon my hands, I resolved to gratify a liberal curiosity by making a trip thither. [more...]

Date: 2009-08-11 11:00:03

Blog posts (114) | Videos (27)
 

Tort - Defamation - Wrongful Discharge - Consumer Protection Statutes

A former director of national accounts for a company that provided credit screening and customer leads to car dealers, who claims he was unfairly blamed when the company lost clients after it turned off its credit screening to boost leads during a market downturn, cannot sue for defamation for the general manager’s alleged directive to “blame it on Craig” if dealers asked about the bad leads, but he may sue for additional alleged statements about blaming the filter deactivation on plaintiff, his [more...]

Date: 2009-08-24 11:52:59

Keen to Engage with our Long-Time Rival

A Newsweek article, "The World According to Russia," argues that feelings of insecurity and a distorted sense of reality guide Russia's geopolitical strategy, and suggests the U.S. Cold War rival will fall short in its attempts to become a global agenda-setter. Why, years after the cold war, the Kremlin's still obsessed with getting respect.IN 1946 a young U.S. diplomat named John Fischer wrote an earnest little book called Why They Behave Like Russians. [more...]

Date: 2009-08-31 01:24:46

Will It All Come Tumbling Down?

By Karl Denninger, The Market Ticker Let’s juxtapose two stories.  First, from Bloomberg : Aug. 14 (Bloomberg) — More than 150 publicly traded U.S. lenders own nonperforming loans that equal 5 percent or more of their holdings, a level that former regulators say can wipe out a bank’s equity and threaten its survival. Ok.  Now how about this one ? WASHINGTON (MarketWatch) — Delinquency rates for loans and leases at U.S. [more...]

Date: 2009-08-18 16:23:28

Net Worth Update - August 2009

A nother increase in August which is good. It seems we are still trying to get our footing back on some solid ground after the wedding. We manage to put some cash into savings. At first glance it may look like we took a big hit in savings but that’s because we put a large lump sum payment into the mortgage. We still manage to save about $1000 this month but the biggest gains came from our investments.  Its going to hurt next month when the market does its seasonal correction. [more...]

Date: 2009-09-01 16:31:40

The Future Of Car Buying: Small Cars Are Now American Favorites

ANN ARBOR, Mich. (AP) -- Big cars and trucks are out. Smaller ones that offer more for your dollar are in. And many drivers will hang onto the new cars they buy longer. We've seen some of this before -- in the 1970s. But there's reason to believe that this time, American car-buying habits have changed forever. Scarred by the worst financial crisis since the 1930s and still leery of high gas prices, people are walking into showrooms intent on spending less. [more...]

Date: 2009-09-10 23:15:31

Ethics Not a Priority for Marion Barry: Loose Lips Daily

As much local politics as humanly possible. Send your tips, releases, stories, events, etc. to lips@washingtoncitypaper.com . And get LL Daily sent straight to your inbox every morning! IN CASE YOU MISSED IT—’ Spitzer to Fenty: A $1,000 Campaign Donation ‘; ‘ Judge’s Order: Big Victory for Cora Masters Barry ‘ Morning all. Yesterday was Ethics Day for the D.C. Council, as Nikita Stewart notes at D.C. Wire . Chairman Vincent C. [more...]

Date: 2009-09-16 15:06:27

Texas Rally: "We Hate the United States"

A new essay by Joint Chiefs of Staff chairman Adm. Michael Mullen offers a “searing critique of government efforts at ‘strategic communication’ with the Muslim world,” saying that the U.S. needs to focus more on its actions. “Each time we fail to live up to our values or don’t follow up on a promise,” writes Mullen, “we look more and more like the arrogant Americans the enemy claims we are.” - ThinkProgress U.S. [more...]

Date: 2009-08-31 09:46:00

Frugal Bang For Your Buck: Easy Ways To Cut Expenses

In Step 3 of Simple Steps for Frugality , we talked about getting the most bang for your frugal buck. What are the quickest ways you can slash your expenses so that you don't lose momentum? Since everyone has different spending in different categories, here are several suggestions on ways you can simplify the madness, and find extra dollars to throw at your future. Housing 1. Rent A Room: Make sure you have a written agreement that details out responsibility, chores, etc. [more...]

Date: 2009-09-12 17:10:00

How Online Loan Calculators Can You Time And Money

September 21, 2009 | By Dennis Shirk In Finance | by Martin KeeleDo you ever feel like you know just enough about loan calculators to be dangerous? Let’s see if we can fill in some of the gaps with the latest info from loan experts.How much should your down payment be? Most experts recommend at least 20 percent. Consolidation loans also have varying repayment plans. Use the links below to determine your repayment amounts under each of the different plans. [more...]

Date: 2009-09-21 21:10:30

More and More Homeowners Are Using Creative Financing To Sell Their Property

By Jamie Hanson  The financial crisis has created a massive negative impact on the world market. It has shown a substantial consequence on the real estate sector also where more and more property owners or homeowners are using resourceful financing to sell their property. It has become tremendously difficult to get a genuine buyer to purchase the property from the seller. The buyers are also going through difficulties as they are inefficient to get the desired financing plan to buy that property. [more...]

Date: 2009-08-26 19:30:22

Get Car Insurance Rate Comparisons Online

Auto word deductibles On my approach to a association certified seminar, a deer strike my car, causing substantial damage. As it was my personal car, not my company’s, my automobile word will be used to cover a damages. Free automobile word rate quotes and brand new automobile prices direct. Auto policies have been heavily regulated by a state we live in and many situations need word to compensate no make a disproportion who’s pushing your car. [more...]

Date: 2009-09-29 18:24:18

Everything Don Draper Said Season 2

As mentioned last week, Everything Don Draper Said ( Season 1 ) follows up on Everything Tracy Jordan Said Seasons 1 , 2 , and 3 . This season is only around 7500 words (as opposed to Season 1’s 10K words), but you’re still gonna lose a morning if you try to read it all at once. Stay tuned, more coming soon from your favorite television characters. In any case, this fall is going to feature some fun Everything They Said projects… Without further adieu. [more...]

Date: 2009-08-25 10:41:39

FML, Inc.

When last I took the unusual-for-me step of introducing you to some deep details of what was going on in my personal life, I had just gotten laid off from my job and was coming out of my fourth back surgery in two years. Well, sit the fuck down a minute, because the story's only gotten more exasperating from there. I went in for my fifth and, God willing, final back surgery a couple weeks ago. [more...]

Date: 2009-09-01 19:03:00

How Online Loan Calculators Can You Time And Money

by Dennis Shirk Do you ever feel like you know just enough about loan calculators to be dangerous? Let’s see if we can fill in some of the gaps with the latest info from loan experts. How much should your down payment be? Most experts recommend at least 20 percent. Consolidation loans also have varying repayment plans. Use the links below to determine your repayment amounts under each of the different plans. You can then see what your monthly payment would be with a consolidated loan. [more...]

Date: 2009-09-28 10:46:28

Bad Credit Car Loans

The worst case credit scenario for all of us is bankruptcy. I read an article by a bankruptcy attorney once that people’s biggest fear when they’re deciding whether to go through bankruptcy is that they’ll never be able to own a home again and they’ll never be able to buy another car. Those fears aren’t really justified, but it’s true that borrowing for cars and houses is going to get much tougher after you’ve gone through the big BK. [more...]

Date: 2009-08-15 13:17:19

Top 5 Plugin Hybrid Cars to Lookout For – 2010 – 2011!

With the recent turmoil in the oil and auto industry it was important to take steps and make sure that such situations are avoided in the future. Companies and Governments reacted to the downturn and suggested measures to ensure a strong future for auto companies by offering more efficient cars. Demand for fuel efficient cars top the list and companies are preparing to deliver and meet the demand. The shift in consumers buying behavior is the cause of change we are seeing in the upcoming cars. [more...]

Date: 2009-08-12 21:43:08

No surprise here; FBI and likely other federal agencies abuse the use of National Security Letters. Support the JUSTICE Act unless the Republicans can do better.

I have been railing against the Patriot Act (which is anything but) since its passage and I physically protested same back when AG Ashcroft visited Salt Lake City in circa 2003. Numerous provisions of that Act signed into law by the SOB (Son Of a Bush) were and remain egregious. The Patriot Act assailed our rights on so many fronts, not the least of which was broadening the use of National Security Letters (NSL). [more...]

Date: 2009-09-28 19:56:34

Vehicle Repossession: How To Pay The Deficiency Balance

Amazon.de Widgets When you finance or lease a vehicle, your creditor or lessor has important rights that end once you’ve paid off your loan or lease obligation. These rights are established by the contract you signed and the law of your state. For example, if you don’t make timely payments on the vehicle, your creditor may have the right to “repossess” — ­or take back your car without going to court or warning you in advance. [more...]

Date: 2009-09-22 04:20:47

Karl Denninger, "Will It All Come Tumbling Down?"

"Will It All Come Tumbling Down?" by Karl Denninger "The American people are wising up, but only to a degree. They are refusing to take on new credit (as they should, seeing as they're being charged not only for their own legitimate level of risk, but also for their next door neighbor who was intentionally given a loan that the bank knew he could not pay) and demanding in some small way that The Bezzle be eradicated. [more...]

Date: 2009-08-18 23:35:00

SACRIFICES

SACRIFICESJ. Crofthttp://freedomguide.blogspot.comSacrifice. The ugliest word in today’s ‘murika’-because it means giving up something, to the point where it’s presently painful. A lot of times not even for your own benefit. Which is understandable given how we’re literally programmed by mass marketed consumer culture that we deserve everything [more...]

Date: 2009-01-13 17:56:00

Gas AlternativesJanuary 7, 2009

A recent article on Parade.com entitled What Will Fuel Our Next Cars? explores the most promising gas alternatives today ... short-term credit line as well as $50 billion in loan guarantees on top of its regular taxpayer ... subsidies.Just switching from one environmentally deleterious fuel option to another equally as bad [more...]

Date: 2009-01-07 18:11:33

5 Ways Poor Credit Scores Costs You Extra Money

Most of us wish a great credit inform to acquire vehicle financing, credit cards, and to squeeze a home. But, over these consumer loans, your credit inform can price we in bland vital expenses. What we do not know about your credit could be costing we money.Having a credit label equates to which we can sequence tickets, lease a car, and haven road residence rooms. [more...]

Date: 2009-08-13 23:35:42

How Can REALTORs Find More Buyers, in 2009 ?

I asked this question, on LinkedIn, two weeks ago.  Here's what I heard: Danilo Bogdanovic Real Estate Consultant, Realtor, Blogger, ... his former rental home. Why not do a lease-purchase instead of a straight sale? The investor can help his buyers accumulate a down-payment, perhaps working with them to improve their credit score at the same [more...]

Date: 2008-12-18 20:14:41

GMAC Auto Loans

11 of the best sites about GMAC auto loans. Know of another site that should be listed here? Leave your suggestion at the bottom of this page. (Related searches: Auto Loans ,  GMAC Smart Lease , GMAC Auto Insurance ) 1. GMAC Automotive Financing - Home page of GMAC financing for car loans, truck loans and leases, including information on their SmartBuy and SmartLease programs that allow you to get into a GM vehicle for a lower monthly payment. [more...]

Date: 2009-09-28 14:59:09

52nd Bankruptcy & Debt Carnival- Now Online!

Monday, August 31, 2009debt kid presents Depression and Debt a Dangerous Combination posted at DebtKid.Jack Schmidt presents Bending Time in the World of Finance posted at SectorMatic Money Journal, saying, “SectorMatic Money Site – Personal Finance | Everything for the Big Spender on a Budget! Now you can live like a fat cat, even if you’re on a money diet. Laugh all the way to the bank with Jack Schmidt and SectorMatic. [more...]

Date: 2009-08-31 19:40:21

Grab Life By the Disco Balls and Dance

This is my one and only life, and its a great and terrible and short and endless thing, and none of us come out of it alive. – Holly – P.S. I Love You The above movie is one of the most profound I have ever seen I think. It is one of those movies that teaches and inspires you as much as it entertains you. From the opening seen when Holly and Gerry are fighting I recognized that this Holly chick and I have a lot in common. [more...]

Date: 2009-09-29 16:52:47

What is a bear market rally?

As the global financial crisis plays out, Report on Business writer Richard Blackwell examines and explains the economic outlook and the turmoil in credit and stock markets. Here, we answer your questions daily, with the most recent at the top ... plants. However, some of the gas consumed in Ontario is imported from the United States [more...]

Date: 2009-01-08 11:05:51

No Costs Are Fixed

My first year in business was bewildering. The various services necessary to run a business took some effort to figure out and pull off at the right time. Insurance, credit card processors, telephone and Internet, payroll and accounting, and even the almighty lease all had to be properly budgeted and planned. The following year, when I went [more...]

Date: 2009-01-08 08:01:00

A Compromise on the Drilling Question

I have given a lot of thought to the issue of opening up new areas for drilling in the Outer Continental Shelf (OCS) and in the Arctic National Wildlife Refuge (ANWR). My position has always been to leave that oil in place for a very rainy day. I wanted to see major conservation efforts in place before we considered tapping that oil [more...]

Date: 2008-07-24 14:00:17

Things You Tend Not To Spend Much Time Thinking Seriously About When Making A Decision To Relocate

I have had this item on my blogging to-do list for probably 18 months now, without attempting to address it ... s start with credit history, something discussed in this blog a long time ago. Or, rather, your lack of such overseas, which will hamper your efforts to obtain auto financing or even apply for local credit [more...]

Date: 2009-01-15 20:29:06

Can’t make your car payments? Buy a Hyundai

Tightwad_tod_marks_consumer_reports It’s bad enough if you lose your job in this miserable economy. It’s even worse if you’re out of work and you’ve just invested in a new car. With more than 10 ... , the plan is a calculated gamble on the automaker’s part to bring potential buyers with responsible credit [more...]

Date: 2009-01-09 01:10:49

Neuroeconomics: Fruit off the poisonous X-shaped Drexel, Burnham Tree.

The X shaped desk . This desk, once the centerpiece of Drexel at Beverly Hills, should be the symbol of the era of the total scamming of the financial systems.*X-Shaped Desk, Drexel Burnham, Beverly HillsWe know about  Joseph Cassano, the AIG financial products guy, who wrote credit insurance without actually having an insurance company.   Mr. Cassano cut his teeth at Drexel Burnham — fruit off the poisonous Drexel tree so to speak.And now there is another such poisonous fruit, Mr. [more...]

Date: 2009-08-10 00:42:23

Small Business Money Terms

entrepreneurs raise at least part of the capital for start-up and operating expenses by asking friends and family and previous business colleagues to ... be the most enthusiastic person in the world when it comes to your business, many people will want ... ; but most people will want to know that you’re willing to risk some of your own assets before [more...]

Date: 2008-11-10 19:48:44

PART THREE: “In Defense of Arms”

Here is Part Three of HSH VP Keith Gumbinger’s article “In Defense of ARMs”: ARMs when rates are high As noted earlier, ARMs were developed in a time when fixed-rate mortgages (FRMs) were prohibitively expensive. Rates were well into the double digits in the early 1980s, and few borrowers were interested in locking in those high rates for a full 30 years, even if they could qualify for them. [more...]

Date: 2009-08-19 16:30:48

Cursed Kitsch

There is nothing like a good mortal curse to really liven up a long, dark winter… ... fires and rumors of pacts between bad artists and Satan…and we got a party on our hands.It appears ... , are frequently the focus of this type of legend. In recent years, stories of bad luck and misfortune [more...]

Date: 2008-12-30 17:17:33

2008 Los Angeles Auto Show: Mini E Electric Car

Competes with: Honda FCX, Chevy Volt, Tesla Roadster Looks like: A Mini Cooper Hatchback Drivetrain: 150 kW (204 hp equivalent) electric motor, lithium-ion battery, single-stage helical gearbox Hits dealerships: Limited offering to 500 in California, New York and New Jersey BMW is getting on the electric-car bandwagon [more...]

Date: 2008-10-20 15:13:52

9 Reasons for a good credit rating or FICO score

Does my credit rating really matter? That question goes through a lot of people’s heads as they max out their credit card or don’t pay their ... of having a good credit score can be very rewarding and fulfilling. You might be asking yourself, what exactly is a good credit score? Well, the average rating for people in the US with a debt below [more...]

Date: 2008-12-22 12:22:27

Speeches, speeches... including Barack Obama's

(NOTE: The live blog of the events at Invesco, along with photos, video, and my personal thoughts are here. ) And the pull quote, a very public one that he could have easily left out because of the red meat the Republican Sexual Hypocrites love to chew on:I know there are differences on same-sex marriage, [more...]

Date: 2008-08-29 00:59:12

The Economic Blue Screen of Death

This week I am in California giving two speeches to the Financial Planning Associations of San Diego and Orange County. This and next week’s letters will be the broad outline of the speech. We will look at how the retreat of the American consumer will affect the stock market. Has the recent drop (can we say crash, gentle reader?) [more...]

Date: 2008-10-20 16:11:06

Weekend Assignment #246: Surprise!

For this weekend's Assignment, Karen said: It's been a mindboggling year in many ways, and not all of it has been good news ... that was a pleasant surprise for you personally. Extra Credit: Are you looking forward to the new year ... !) Closer to home, though, we haven't had it all that bad. Tall Paul and I are both still gainfully [more...]

Date: 2008-12-16 14:00:29

Chrysler's 800-unit hybrid program

Oops. When we at Up to Speed said that Chrysler didn't make any hybrids, we were wrong ... when it introduced them for a test lease program about a decade ago. A final comparison. Ford has sold 16,067 ... . Our bad. —Ken Bensinger Top photo: Bob Nardelli, Chrysler's chairman and chief executive gets [more...]

Date: 2008-12-05 19:30:51

DrumBeat: September 18, 2008

Refilling fuel tanks after Ike to take weeks HOUSTON (Reuters) - Oil refiners and producers on Thursday rushed to restore Gulf of Mexico production following Hurricane Ike, but energy traders and analysts warned it will take several more weeks to refill U.S. fuel inventories, increasing the risk of shortages [more...]

Date: 2008-09-18 13:19:59

Do you Know when Credit Repair is Needed?

by Rob Kosberg Can you remember when you received your first credit card, signed your first apartment lease, applied for your first car loan? ... salary, had more money, could get more credit. A lot of us probably got too comfortable and increased our use of credit. You might need credit repair. One day, it dawns on us that we have serious debt [more...]

Date: 2009-01-14 15:23:25

Where to Find Finance to Purchase a Used Car

September 11, 2009 | By Stuart Cartright In Finance | When youre setting out to buy a used car, whether this be from a private individual or a dealership, you will want to be able to finance the car. If you havent got the cash to hand, or a generous set of parents, the getting a loan to buy your first used car could be the option to you, and shouldnt be a problem. [more...]

Date: 2009-09-12 00:00:33

Lifestyle - How to Green Your SUV

Stuck with an impossible-to-sell SUV? Getting killed at the pump? Here's how to green that machine ... of us are not in this position for a variety of reasons: budget, credit, a lease we can't get out of, work ... a year. If you're thinking, "So why not keep the second car and sell the SUV?" skip down a few [more...]

Date: 2008-07-15 11:00:00

5 Credit Repair misunderstandings

Amazingly, consumers find more than 13 million inaccuracies on their credit reports each year ... , there is a better way. Mortgage lenders and car dealerships have direct admittance to the credit ... . These inaccuracies can cost you the purchase of a home, a car, interest rate increases [more...]

Date: 2008-12-12 19:25:14

Getting a Good Auto Loan - Your Helpful Guidebook

The prime step of getting a good auto loan is talking and discussing with lenders. The terms of the loan should be well understood by the borrower ... . Various types of auto loans: Bad credit loans: Generally a person intending to buy any vehicle must have a good credit score. But, such loans are offered to people with bad credit on a higher rate [more...]

Date: 2008-12-28 05:16:10

Terence Corcoran: Trade risks in auto bailouts

Will Ottawa and Washington be able to resist a return to the old tradition of auto-industry protectionism and a trade war? By Terence Corcoran On the subject of the U.S. auto bailout, Murray Ross of Pleasant Hill ... in the North American auto sector. So far there are no signs Canadian policymakers have plans to duplicate [more...]

Date: 2009-01-06 00:30:00

SATURDAY JANUARY 10 & SUNDAY 11, 2009

THIS SITE SUPPORTS ALL THE MEN AND WOMEN OF ALL POLICE DEPARTMENTS, EMS CREWS, IN ADDITION TO ALL SERVING IN THE CANADIAN ARMED FORCES, ... UP FOR SOME NB AREASSnowfall warning in effectEnvironment Canada has issued a snowfall warning for metro ... BRUNSWICK & MAINE BORDER WAIT TIMESALL OF ATLANTIC CANADA STORM WARNINGS:This Site GIVES you the news [more...]

Date: 2009-01-09 02:22:00

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